The House Is Mine!
Friday, March 3rd, 2023 12:51 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
snoozefestaudioI was awoken around 9:00 this morning to a phone call from Julia at City Hall. She was returning my call from yesterday. She said the Transfer Stamp was ready for me to pick up!
I fell back asleep, but was out of bed by 10:30. As soon as I had my coffee, I was out the door and driving down to City Hall.
It cost $30.00 for the fancy little sticker, and a document saying Dad had not owed the City any money.
I put those in my manilla envelope with the other papers and drove up to the County campus in Geneva.
The first time I'd been here was in January with Kevin, to get the Transfer Upon Death document recorded, when Dad was still alive.
The second time I'd come here was with Tim, after we'd had the Notice of Death & Acceptance Affadavit notarized at the St. Charles Public Library, which is when we were told we needed the City Transfer Stamp.
Now, today, I was here by myself... Kevin back in LA... Tim back in Las Vegas... Dad in an urn in the living room.
They accepted the paperwork, affixed the transfer stamp to the Death Notice, put their own County sticker on it, digitized it for their records, handed me back the originals, and... after paying them $62.00... it's done!
The house is officially and legally mine!
--<>--
I drove straight back home and took Yvette out for a sit in the yard.
It was a gloomy, chilly afternoon, and Snoop chased the dead leaves around the yard every time a gust of wind set them into motion.
We've been under a winter storm warning, but it looks like it's just gonna be a lot of rain and wind.
--<>--
Somehow, we got it all taken care of without ever calling a lawyer!
I worried for years about Dad dying before we could take care of this with a lawyer, and in the end he was fading too fast to get one involved, but somehow we got it done with some online PDFs, two notaries, and a little advice from some clerks!
And the total cost was $230.00!
And the transfer was tax exempt!
--<>--
Everything about Dad's death was for the record books! He died at home, peacefully, like everybody wants to do, but nobody gets to do.
There was no feuding between the siblings about what to do with the estate, which never happens (everybody was in total agreement)!
We took care of his remains for under four grand, and postponed his funeral to a nice time of year, giving everybody plenty of time to save up and plan for it... which nobody ever does!
And we got the deed transferred without a lawyer, for two hundred thirty bucks!.. which is not even considered possible!
------------{=0=}------------
8:30 PM
The storm we were warned about went way south of us. No wind or rain of any kind.
Because of teacher meetings, nobody was in the school building tonight, and there was nothing to do (we cleaned everything yesterday). So I had time to focus on the bank problem.
Thanks to the guy at PNC helping with the second email address, I was able to set up Zelle today, and successfully sent money to Dad's BMO account!
Zell was still like, "It looks like you're sending money to yourself! Are you sure you wanna do this? Scams tell people to send money to themselves! Don't sent money to yourself because somebody told you to! Are you sure you know what you're doing?"
And I was like, "Yes-ah!"
But it worked!
And then I also made my car payment!
--<>--
So, now there's money to cover the mortgage auto-deduction on Monday, and I have a reliable way to move money from my PNC, to Dad's BMO... which means I can continue to just pay the mortgage every month indefinitely!
BUT... if BMO ever figures out that Dad's dead, I now have the documents to prove I own the property, which would help with officially assuming the mortgage.
--<>--
This weekend, I pay the rest of the bills, install the third security camera, and get groceries so that I make my lunches for the 8-hour work days that begin Monday.
Then I just... groove through March... and get that $35K personal loan from PNC in April!
With that, I pay off the car and the credit cards; Discover, AmEx, and PNC Visa.. and use the loan money instead of the credit cards to cover expenses between paychecks.
The car loan and cards cost me about $500.00 per month to service. The Persal loan will only be $300.00 per month to service.
So I'll have an extra $200.00 per month to put toward the mortgage and ultility bills.
Money may still be tight between paychecks, but as I said, I'll have the loan money to dip into, rather than using the cards. And this strategy should keep me afloat for two years.
If there are any emergency expenses in those two years... I'll still have the credit cards.
--<>--
Now, in two years, the money from that personal loan will be used up, and I'll still be stuck with that $300.00 per month payment... for like eight more years.
And the mortgage will still have three years left to go, as well.
So... I'm looking at a three year crunch period... that begins in 2025.
The goal is, to have increased my income, by 2025, to the point where I don't feel that crunch!
It's possible my union will negotiate a pay hike based on the insane rate of inflation that we're seeing right now.
It's also possible I'm able to bootstrap the hadyman business to the point where I'm getting some reliable extra cash on the side.
And it's possible I have somebody living here to help with the bills.
So, I'm hoping to make it through the three year crunch without relying on any kind of credit or loan money to make ends meet.
And if I can do that... then in 2028, I suddenly have six-hundred-some extra dollars a month! And I own the house free and clear!
That end goal is worth braving the three year crunch!
And that... is the latest articulation of my five year survival plan!
°¦}
https://soundcloud.com/snoozefestaudio
I fell back asleep, but was out of bed by 10:30. As soon as I had my coffee, I was out the door and driving down to City Hall.
It cost $30.00 for the fancy little sticker, and a document saying Dad had not owed the City any money.
I put those in my manilla envelope with the other papers and drove up to the County campus in Geneva.
The first time I'd been here was in January with Kevin, to get the Transfer Upon Death document recorded, when Dad was still alive.
The second time I'd come here was with Tim, after we'd had the Notice of Death & Acceptance Affadavit notarized at the St. Charles Public Library, which is when we were told we needed the City Transfer Stamp.
Now, today, I was here by myself... Kevin back in LA... Tim back in Las Vegas... Dad in an urn in the living room.
They accepted the paperwork, affixed the transfer stamp to the Death Notice, put their own County sticker on it, digitized it for their records, handed me back the originals, and... after paying them $62.00... it's done!
The house is officially and legally mine!
I drove straight back home and took Yvette out for a sit in the yard.
It was a gloomy, chilly afternoon, and Snoop chased the dead leaves around the yard every time a gust of wind set them into motion.
We've been under a winter storm warning, but it looks like it's just gonna be a lot of rain and wind.
Somehow, we got it all taken care of without ever calling a lawyer!
I worried for years about Dad dying before we could take care of this with a lawyer, and in the end he was fading too fast to get one involved, but somehow we got it done with some online PDFs, two notaries, and a little advice from some clerks!
And the total cost was $230.00!
And the transfer was tax exempt!
Everything about Dad's death was for the record books! He died at home, peacefully, like everybody wants to do, but nobody gets to do.
There was no feuding between the siblings about what to do with the estate, which never happens (everybody was in total agreement)!
We took care of his remains for under four grand, and postponed his funeral to a nice time of year, giving everybody plenty of time to save up and plan for it... which nobody ever does!
And we got the deed transferred without a lawyer, for two hundred thirty bucks!.. which is not even considered possible!
The storm we were warned about went way south of us. No wind or rain of any kind.
Because of teacher meetings, nobody was in the school building tonight, and there was nothing to do (we cleaned everything yesterday). So I had time to focus on the bank problem.
Thanks to the guy at PNC helping with the second email address, I was able to set up Zelle today, and successfully sent money to Dad's BMO account!
Zell was still like, "It looks like you're sending money to yourself! Are you sure you wanna do this? Scams tell people to send money to themselves! Don't sent money to yourself because somebody told you to! Are you sure you know what you're doing?"
And I was like, "Yes-ah!"
But it worked!
And then I also made my car payment!
So, now there's money to cover the mortgage auto-deduction on Monday, and I have a reliable way to move money from my PNC, to Dad's BMO... which means I can continue to just pay the mortgage every month indefinitely!
BUT... if BMO ever figures out that Dad's dead, I now have the documents to prove I own the property, which would help with officially assuming the mortgage.
This weekend, I pay the rest of the bills, install the third security camera, and get groceries so that I make my lunches for the 8-hour work days that begin Monday.
Then I just... groove through March... and get that $35K personal loan from PNC in April!
With that, I pay off the car and the credit cards; Discover, AmEx, and PNC Visa.. and use the loan money instead of the credit cards to cover expenses between paychecks.
The car loan and cards cost me about $500.00 per month to service. The Persal loan will only be $300.00 per month to service.
So I'll have an extra $200.00 per month to put toward the mortgage and ultility bills.
Money may still be tight between paychecks, but as I said, I'll have the loan money to dip into, rather than using the cards. And this strategy should keep me afloat for two years.
If there are any emergency expenses in those two years... I'll still have the credit cards.
Now, in two years, the money from that personal loan will be used up, and I'll still be stuck with that $300.00 per month payment... for like eight more years.
And the mortgage will still have three years left to go, as well.
So... I'm looking at a three year crunch period... that begins in 2025.
The goal is, to have increased my income, by 2025, to the point where I don't feel that crunch!
It's possible my union will negotiate a pay hike based on the insane rate of inflation that we're seeing right now.
It's also possible I'm able to bootstrap the hadyman business to the point where I'm getting some reliable extra cash on the side.
And it's possible I have somebody living here to help with the bills.
So, I'm hoping to make it through the three year crunch without relying on any kind of credit or loan money to make ends meet.
And if I can do that... then in 2028, I suddenly have six-hundred-some extra dollars a month! And I own the house free and clear!
That end goal is worth braving the three year crunch!
And that... is the latest articulation of my five year survival plan!
°¦}
